CA2993086C

CA2993086C - Interbank clearing method and system

Info

Publication number: CA2993086C
Application number: CA2993086A
Authority: CA
Inventors: Yi Zhang
Original assignee: 10353744 Canada Ltd
Current assignee: 10353744 Canada Ltd
Priority date: 2015-07-21
Filing date: 2015-07-21
Publication date: 2022-05-17
Anticipated expiration: 2035-07-21
Also published as: WO2017012054A1; CA2993086A1

Abstract

An interbank clearing method, comprising: acquiring data of multiple electronic certificates to be cleared within a first preset time, where the data comprises first data and second data, the first data corresponds to a first bank server, and the second data corresponds to a second bank server (102); utilizing the first data and the second data to produce a reconciliation file, where the reconciliation file comprises a total clearing amount (104); transmitting the reconciliation file to the first bank server and the second bank server, thus allowing the first bank server and the second bank server to respectively verify the reconciliation file and return verification information (106); when the verification information is received, utilizing the reconciliation file to produce a clearing packet (108); and transmitting the clearing packet to the first bank server, thus allowing the first bank server to transfer the total clearing amount to the second bank server on the basis of the clearing report (110). Also provided are an interbank clearing system, an interbank clearing server, and a nonvolatile computer storage medium.

Description

INTERBANK CLEARING METHOD AND SYSTEM
[1] [Technical Field]

[2] The present invention relates to the field of computer technology, and in particular, to an inter-bank settlement method and system.

[3] [Background Technology]

[4] With the development of E-commerce, many emerging internet payment methods have also appeared and provide the convenience and security of online payment.
Payment through an electronic certificate is one of the ways of effecting internet payment methods. The bank that usually pays the bank and the recipient of the electronic certificate is not necessarily the same bank as the bank that issued the electronic certificate. When different banks directly pay for a single electronic certificate in real time, they will incur handling charges. If they pay in real time for a large number of electronic certificates, they will incur huge fees. The question of how to overcome the foregoing payment problem in the context of paying a large number of electronic certificates on an interbank basis has become a technical problem which urgently needs to be solved.

[5] [Summary of the Invention]

[6] Based on this, it is necessary to provide a cross-bank clearing method and system that can effectively save resources in cross-bank payment in respect of electronic certificates.

[7] An inter-bank settlement method, the method including the below steps:

[8] Acquiring data of a plurality of electronic certificates to be cleared within a first preset time, the data including first data and second data, the first data corresponding to a first bank server, and the second data corresponding to second bank server.

[9] A clearing server using the first data and the second data to generate a reconciliation document, the reconciliation document including a total amount of settlement.

[10] The reconciliation document is delivered to the first bank server and the second bank server, so that the first bank server and the second bank server respectively confirm the reconciliation document and return the confirmation information.

[11] After receiving the confirmation information, the clearing server generating a clearing message to inform the first bank server of the clearing by using the reconciliation Date Recue/Date Received 2021-06-07 document.

[12] The clearing message is delivered to the first bank server, so that the first bank server transfers the total settlement amount to the second bank server according to the settlement message.

[13] An inter-bank settlement method applied to a first bank server, the method including:

[14] The first data of the first electronic certificate is delivered in real time to the clearing server, so that after receiving the second data of the second electronic certificate delivered by the second bank server, according to the first data of the first preset time, the first data of the first certificate to be cleared and the second data of the second electronic certificate to be cleared to generate the reconciliation documents;

[15] Receiving the reconciliation document delivered by the clearing server, including the total amount of settlement in the account statement;

[16] Judging whether the reconciliation document is consistent with the pre-stored second data of the second electronic certificate to be cleared within the first preset time and the first data of the first electronic certificate to be cleared;

[17] If yes, return confirmation information to the clearing server, so that the clearing server generates clearing information by using the reconciliation document after receiving the confirmation information;

[18] Receive the clearing information delivered by the clearing server;

[19] The total settlement amount is transferred to the second bank server according to the settlement information.

[20] The present disclosure includes an inter-bank settlement method applied to a second bank server, the method including the below steps.

[21] Delivering the second data of the second electronic certificate to the clearing server in real time, so that after receiving the first data of the first electronic certificate delivered by the first bank server, the clearing server determines, according to the first data of the first preset time, the first data of the first certificate to be cleared and the second data of the second electronic certificate to be cleared to generate the reconciliation documents.

[22] Receiving the reconciliation document delivered by the clearing server, including the total amount of settlement in the account statement.

[23] Judging whether the reconciliation document is consistent with the pre-stored first data Date Recue/Date Received 2021-06-07 of the first electronic certificate to be cleared within the first preset time and the second data of the second electronic certificate to be cleared.

[24] If yes, return confirmation information to the clearing server, so that the clearing server generates clearing information by using the reconciliation document after receiving the confirmation information.

[25] Receive the clearing information delivered by the clearing server.

[26] Receive the total settlement amount transferred by the first bank server according to the settlement message.

[27] The received total amount of the clearing is transferred to a second business clearing account, and the second business clearing account is utilized to separately transfer the amounts corresponding to the plurality of first electronic certificates to the corresponding business documents according to the reconciliation documents in the account.

[28] The present disclosure includes an inter-bank clearing system, the system including a first bank server, a second bank server, and a settlement server.

[29] The first bank server is used to deliver the first data of the first electronic certificate to the clearing server in real time.

[30] The second bank server is used to deliver the second data of the second electronic certificate to the clearing server in real time.

[31] The settlement server is used to receive the first data and the second data, and according to the first data of the first preset time, the first data of the first certificate and the second data of the second electronic certificate to be cleared to generate the reconciliation document, where the reconciliation document includes a total settlement amount, and separately delivers the reconciliation document to the first bank server and the second bank server.

[32] The first bank server is also used to confirm the reconciliation document and return first confirmation information to the settlement server.

[33] The second bank server is also used to confirm the reconciliation document and return second confirmation information to the settlement server.

[34] The settlement server is also used to: after receiving the first confirmation information and the second confirmation information, generate a settlement message by using the Date Recue/Date Received 2021-06-07 reconciliation document, and deliver the settlement message to a first bank server and a second bank server.

[35] The first bank server is also used to transfer the total settlement amount to the second bank server according to the clearing information.

[36] The present disclosure includes an inter-bank clearing server, the server including a processor and a non-volatile storage medium, where instructions are stored therein, and when executed by the processor, the non-volatile storage medium may enable the processor to perform the steps described below.

[37] Acquiring data of multiple clearing electronic certificate in the first preset time, the data including first data and second data, the first data corresponding to a first bank server, and the second data corresponding to a second bank server.

[38] Using the first data and the second data to generate a reconciliation document, the reconciliation document including a total amount of settlement;

[39] The reconciliation document is delivered to the first bank server and the second bank server, so that the first bank server and the second bank server respectively confirm the reconciliation document and return confirmation information.

[40] After receiving the confirmation information, generating a clearing message by using the reconciliation document.

[41] The clearing information is delivered to the first bank server, so that the first bank server transfers the total settlement amount to the second bank server according to the clearing message.

[42] A non-transitory computer storage medium including computer-executable instructions for performing an inter-bank settlement method, the method comprising the below steps.

[43] Acquiring data of multiple clearing electronic certificates in the first preset time, the data including first data and second data, the first data corresponding to a first bank server, and the second data corresponding to second bank server.

[44] Using the first data and the second data to generate the reconciliation document, the reconciliation document including a total amount of settlement.

[45] The reconciliation document is delivered to the first bank server and the second bank server, so that the first bank server and the second bank server respectively confirm the reconciliation document and return confirmation information.

Date Recue/Date Received 2021-06-07

[46] After receiving the confirmation information, generating a clearing message by using the reconciliation document.

[47] The clearing information is delivered to the first bank server, so that the first bank server transfers the total settlement amount to the second bank server according to the settlement message.

[48] In the above-mentioned inter-bank settlement method, system, server and medium, since the electronic certificate is to be cleared within the first preset time, the first data of the electronic certificate of the first bank server is used to communicate with the second bank server's electronic certificate. The second data generates a reconciliation document, and the reconciliation document includes the total clearing amount of the electronic certificate that the first bank server needs to transfer to the second bank server. After the first bank server and the second bank server respectively return confirmation information according to the reconciliation document, clearing information is generated according to the reconciliation document, so that after receiving the clearing information, the first bank server can, according to the total settlement amount, pay to the second bank server. As a result, it is possible to carry out inter-bank clearing of batch electronic certificates in the first preset time, effectively saving the inter-bank payment fee, and overcoming the problem that a large number of single electronic certificates require a high commission in real-time interbank payment.

[49] [Brief Description of the Drawings]

[50] In order to specifically illustrate the examples of the invention or the technical solutions in the current technology, the following drawings, which are to be used in the description of the examples of the current technology, will be briefly described, and it will be apparent that the following accompanying drawings are merely exemplary of the invention, which may be made by those of ordinary skill in the art in view of the accompanying drawings, and that drawings of other examples may be obtained without departing from the inventive work as herein disclosed.

[51] Figure 1 is a flowchart of an inter-bank settlement method in one example.

[52] Figure 2 is a flowchart of an inter-bank settlement method in another example.

[53] Figure 3 is a flowchart of an inter-bank settlement method in a third example.

[54] Figure 4 is a structural diagram of an inter-bank clearing system in an example.
Date Recue/Date Received 2021-06-07

[55] Figure 5 is a schematic structural diagram of an inter-bank clearing server in another example.

[56] [Description of the Preferred Examples]

[57] In one example, as shown in Figure 1, an inter-bank settlement method is provided. It should be understood that although the steps in the flowchart of Figure 1 are sequentially displayed as indicated by the arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. Unless clearly stated herein, the execution of these steps is not strictly restrictive and may be performed in another order. Moreover, at least a portion of the steps in Figure 1 may include a plurality of sub-steps or stages that are not necessarily executed at the same time, but may be executed at different times, and the order of execution is not necessarily in turn, but may be carried out alternately or alternately with at least a portion of the steps or stages of the other steps or other steps. Taking the method applied to a clearing server as an example, the method specifically includes:

[58] Step 102: In the clearing server, acquiring data of multiple clearing electronic certificates in the first preset time, the data including first data and second data, the first data corresponding to a first bank server, and the second data corresponding to second bank server.

[59] The electronic certificate can be used for making payments as well as receiving payments. The frozen funds of the electronic certificate are unfrozen to make a payment when the settlement conditions are met. The status of the electronic certificate includes to-be-received, to-be-fulfilled, to-be-applied-to-release, to-be-released, to-be-cleared, to-be-credited, completed, and so on. Wherein, the to-be-cleared refers to the issuance of an electronic certificate by a bank (referred to as the issuing bank) that transfers the funds from the electronic certificate to a specific clearing account of the issuing bank for the electronic certificate business. The data of the electronic certificate (i.e., the first data and the second data) that the clearing server needs to call includes the status of the electronic certificate, the amount of funds, and the electronic certificate number. In this example, the electronic certificate whose status is to-be-cleared needs to be sorted according to the data of the electronic certificate.

Date Recue/Date Received 2021-06-07

[60] The first electronic certificate represents a type of electronic certificates which is issued by the first bank as a payment bank and received by the second bank as a receiving bank. The second electronic certificate represents a type of electronic certificate which is issued by the second bank as a payment bank and received by the first bank as a receiving bank. The first bank corresponds to the first bank server, and the second bank corresponds to the second bank server. The first data refers to the data of the first electronic certificate processed by the first bank server. The second data refers to the data of the second electronic certificate processed by the second bank server.
When the first bank server actively updates the first data corresponding to the first electronic certificate, the first bank server also delivers the updated first data to the clearing server and the second bank server in real time, to enable the first data of the first electronic certificate to be stored at the same time on the first bank server and the second bank server. When the second bank server actively updates the second data corresponding to the second electronic certificate, the second bank server also delivers the updated second data to the clearing server and the first bank server in real time, to enable the second data of the second electronic certificate to be stored on the first bank server and the second bank server at the same time.

[61] Step 104: Use the first data and the second data to generate a reconciliation document, including the total amount of the settlement and the number of the clearing electronic certificate.

[62] The first bank server transmits the first data of the plurality of first electronic certificates to the clearing server in real time. The second bank server transmits the second data of the second electronic certificates to the clearing server in real time. The clearing server collects the first data and the second data in the first preset time and generates the reconciliation document between the first bank server and the second bank server according to the processed result, including the settlement total amount, the number of electronic certificate to be cleared and so on.

[63] The first preset time may be one processing cycle of the bank reconciliation clearing process. For example, the bank conducts reconciliation and clearing in the day of T (i.e.
the trading day). The day cut point is the last time on the T day and the next T+1 day. If the daily cut point is 16:00 each day, the electronic certificate settled after 16:00 will be Date Recue/Date Received 2021-06-07 processed in the next processing cycle. On June 30 16:00 will be on June 29 16:00 to June 30 before 16:00 to be cleared of electronic certificate for centralized clearing.

[64] A rolling difference refers to the transaction information of the electronic certificate on the day after the daily business terminates, according to the received electronic certificate transaction information, within a predefined number of days after the end of daily business. The amount of funds required to be cleared by each bank is obtained, adopting a clearing way of net rolling for the electronic certificate. That is, in the settlement of the electronic certificate, only the net amount of the accounts receivable and the accounts payable should be calculated after the clearing of each bank.
In other words, each bank may have tens of thousands of electronic certificate transactions to pay and receive funds to and from, but the bank does not need to be paid immediately with respect to each electronic certificate. It is only necessary to calculate the total difference between the cleared electronic certificate in the first preset period and the sum of the total balance of the payment by the paying bank. For example, the total amount of the first bank server to be transferred to the second bank server is 8 million Yuan, the total amount of the second bank server to be transferred to the first bank server is 5 million Yuan, the first bank server transfers 3 million RMB to the second bank server by the way of net clearing. By net clearing, this method effectively reduces the transmission of data, and improves the speed of interbank clearing.

[65] Further, in addition to the net clearing of the bilateral (First Bank Server and Second Bank Server) clearing, a multilateral netting gap clearing can also be conducted. That is, a net balance between multiple bank servers clearing clearance. For example, the total amount of the first bank server to be transferred to the second bank server is 10 million Yuan, the total amount of the third bank server to be transferred to the first bank server is 5 million Yuan, and the second bank server needs to be transferred to the first bank, and the total amount of the server is 8 million Yuan. Through multilateral netting clearing, only the first bank server transfer 5 million Yuan to the second bank server, and the second bank server transfer 3 million Yuan to the third bank server.

[66] Step 106: the reconciliation document is delivered to the first bank server and the second bank server, so that the first bank server and the second bank server respectively confirm the reconciliation document and return confirmation information.

Date Recue/Date Received 2021-06-07

[67] The clearing server delivers the reconciliation document to the first bank server and the second bank server. The first bank server and the second bank server respectively confirm the reconciliation document, the first bank server returns the first confirmation information to the clearing server after confirming the reconciliation document, and the second bank server returns the second confirmation information to the clearing server after confirming the reconciliation document.

[68] Step 108: After receiving the confirmation information, generating clearing information by using the reconciliation document.

[69] The first bank server may return the first confirmation information to the clearing server in the form of a confirmation receipt. The second bank server may return the second confirmation information to the clearing server in the form of a confirmation receipt.
After the clearing server receives the first confirmation information and the second confirmation information, it indicates that the reconciliation document between the first bank server and the second bank server is accurate. The reconciliation document is used to generate clearing information according to a preset packet exchange standard. The clearing information includes the total amount of clearing, the number of the electronic certificate to be cleared, and so on.

[70] Step 110: Deliver clearing information to the first bank server, so that the first bank server transfers the total settlement amount to the second bank server according to the clearing information.

[71] The clearing server delivers the clearing information to the first bank server and the second bank server, respectively, due to the net settlement difference between the first bank server and the second bank server. After receiving the clearing information, the first bank server transfers the total settlement amount in the reconciliation document to the second bank server according to the clearing information. This completed the inter-bank clearing of volume electronic certificate. The first bank server and the second bank server are relative, and it may be the case that the first bank server transfers the total amount of the clearing to the second bank server, or may be that the second bank server transfers the total amount of the clearing to the first bank server.

[72] Further, the reconciliation document also includes the number of the electronic certificate to be cleared. After the first bank server transfers the total amount of the Date Recue/Date Received 2021-06-07 clearing to the second bank server according to the clearing information, the second bank server first transfers the received total amount of the clearing into the second bank for clearing services on the second bank server. And then according to the reconciliation document, the amount corresponding to each first electronic certificate is respectively transferred to the receiving account of each first electronic certificate.
Since the first bank server and the second bank server implement the inter-bank clearing through the net rolling difference, therefore, the total amount of clearing of the first bank server transferred to the second bank server is likely to be less than that of the second bank.
The total amount of the first electronic certificate of the second bank servers should be allocated the total amount. The difference between the total clearing amount and the total amount to be allocated by the second bank will be supplemented by the amount in the second business clearing account, using the reconciliation document to assign the amount corresponding to each first electronic certificate to the corresponding receiving account. This further improves the accuracy of interbank settlement.

[73] In this example, since the electronic certificate is to be cleared within a first preset time, the first data of the electronic certificate of the first bank server are used to generate the reconciliation document with the second data of the electronic certificate of the second bank server. The reconciliation document includes the total clearing amount of the electronic certificate that the first bank server needs to transfer to the second bank server. After the first bank server and the second bank server respectively return confirmation information according to the reconciliation document, the clearing information is generated according to the reconciliation document, which enables the first bank server to pay the second bank server in accordance with the total amount of clearing in the reconciliation documents after receiving the clearing information. As a result, it is possible to carry out inter-bank clearing of batch electronic certificates in the first preset time, effectively saving the inter-bank payment fee, and overcoming the problem that a large number of single electronic certificates require a high commission in real-time interbank payment.

[74] In an example, before the step of obtaining the data of the plurality of electronic certificates to be cleared in the first preset time period, the method further includes:
receiving the data of multiple electronic certificate issued by the first bank server and Date Recue/Date Received 2021-06-07 the second bank server in real time; parsing the data to obtain the parsed data, the parsed data including the state of the electronic certificate, the state of the electronic certificate including to be cleared; the state of screening is the electronic certificate to be cleared, and the electronic certificate to be cleared is obtained.

[75] In this example, the first bank server delivers the first data of the plurality of first electronic certificates to the clearing server in real time, and the second bank server delivers the second data of the plurality of second electronic certificates to the clearing server in real time. The first and second data are respectively encrypted.
Specifically, RSA (an encryption algorithm) can be used for encryption. After receiving the first data and the second data, the clearing server correspondingly decrypts the first data and the second data by using the RSA algorithm. The parsed data includes the state of the electronic certificate, including to-be-received, to-be-fulfilled, to-be-applied-to-release, to-be-released, to-be-cleared, and so on. To-be-cleared is set as a keyword to sort all electronic certificates whose status is to-be-cleared. As a result, these to-be-cleared electronic certificates are ready to be processed by the clearing servers for interbank liquidation.

[76] Further, the reconciliation documents and clearing information generated by the clearing server are also encrypted. The first bank server and the second bank server need to decrypt the reconciliation document after receiving the reconciliation document for confirmation. After receiving the clearing information, the first bank server and the second bank server need to decrypt the clearing information to perform the inter-bank settlement according to the total clearing amount in the reconciliation document.
Through the first and second data, check the document and clearing of information in clearing between the server and the first bank, the second bank server to interact to encrypt the data and document, thereby improving the security of the interbank clearing.

[77] In an example, after the step of delivering the reconciliation document to the first bank server and the second bank server, the method further includes: if the electronic certificate to be cleared in the first preset time of the first bank server is not consistent with the reconciliation document, receive first error information delivered by the first bank server; and / or if the number of electronic certificate of the first bank server to be cleared in the first preset period on the second bank server is not consistent with the Date Recue/Date Received 2021-06-07 reconciliation document, the second error information delivered by the second bank server is received; the first error information and / or the second error information is adjusted, and the process of delivering the reconciliation document to the first bank server and the second bank server is performed again; enable the first bank server and the second bank server to confirm the reconciliation document and return the confirmation information.

[78] In this example, when the first bank server actively updates the first data corresponding to the first electronic certificate, the first bank server also delivers the first data to the clearing server and the second bank server in real time. The first data of the first electronic certificate can be stored at the same time in the first bank server and the second bank server. When the second bank server actively updates the second data corresponding to the second electronic certificate, the second bank server also delivers the second data to the clearing server and the first bank server in real time So that the second data of the second electronic certificate may be stored in the first bank server and the second bank server at the same time. After receiving the reconciliation document, comparing the account document with the first data and the second data in the first preset period on the first bank server, that is, compare the reconciliation document with the data of the clearing electronic certificate (first and second data) in the first preset time, and if the comparison is consistent, the first bank server confirms the reconciliation document and delivers the first confirmation information to the clearing server. If the comparison is inconsistent, the first bank server delivers the first error information to the clearing server. After receiving the reconciliation document, the second bank server compares the reconciliation document with the first data and the second data in the first preset time stored in the second bank server, and if the alignment matches, the second bank server delivers a second confirmation to the clearing server through confirmation of the reconciliation document. If the comparison is inconsistent, the second bank server delivers the second error information to the clearing server.

[79] After receiving the first error information and / or the second error information, the clearing server will retrieve the details corresponding to the first data and second data to determine where the error is from and make adjustments by using a balancing method for the errors to ensure that the reconciliation data of the clearing server is consistent Date Recue/Date Received 2021-06-07 between the first bank server and the second bank server. The clearing server generates the adjusted reconciliation document to ensure that the data of interbank settlement is accurate.

[80] In an example, after the step of separately delivering the clearing information to the first bank server so that the first bank server transfers the total settlement amount to the second bank server according to the clearing information, the method further including:
determining whether a notification of the total amount of the clearing that has been transferred by the first bank server is received within a second preset time period; and if not, delivering a reminder of the total amount of the transfer and settlement to the first bank server.

[81] In this example, after the first bank server transfers the total amount of clearing to the second bank server according to the clearing information, and the first bank server delivers the notification to the clearing server to complete the transfer of the total amount of clearing. After the clearing server receives the notification within a second preset time, the clearing server records the notification. If the clearing server does not receive the notification within the second preset time period, deliver the reminder of the total amount of transfer and settlement to the first bank server to ensure the clearing of electronic certificate on the first bank server and the second bank server, and complete interbank clearing in a timely manner.

[82] In one example, an inter-bank settlement method is provided as shown in Figure 2, and the method is applied to a first bank server as an example for description.
The method specifically includes:

[83] Step 202: deliver the first data of the first electronic certificate to the clearing server in real time, so that the clearing server receives the second electronic data of the second electronic certificate delivered by the second bank server, according to the first preset time, the first data of the first electronic certificate and the second data of the second electronic certificate to be cleared to generate the reconciliation documents.

[84] Step 204: Receive a reconciliation document delivered by a clearing server, where the reconciliation document includes a total settlement amount.

[85] Step 206: Determine the second data of the second electronic certificate to be cleared in the account document and the first preset time of the pre storage, and whether the first Date Recue/Date Received 2021-06-07 data of the first electronic certificate to be cleared is consistent; if yes, enter Step 208:
otherwise, deliver the first error information to the clearing server.

[86] Step 208: The confirmation information is returned to the clearing server so that the clearing server uses the reconciliation document to generate the clearing information after receiving the confirmation information.

[87] Step 210: Receive a clearing information delivered by the clearing server.

[88] Step 212: Transfer the total settlement amount to the second bank server according to the clearing information.

[89] In this example, the first bank server delivers the first data of the first electronic certificate to the clearing server in real time. The second bank server also delivers the second data of the second electronic certificate to the clearing server in real time. The first data and the second data are both encrypted data. After receiving the first data and the second data, the clearing server decrypts the first data and the second data respectively. Specifically, both the first data and the second data can be encrypted by using an RSA algorithm. After receiving the first data and the second data, the clearing server uses the RSA algorithm to decrypt the data. By analysing the first data and the second data for encryption and decryption, the security of interbank settlement is improved. The parsed data includes the state of the electronic certificate, including to-be-received, to-be-fulfilled, to-be-applied-to-release, to-be-released, to-be-cleared and so on. The to-be-cleared is set as a keyword to sort all electronic certificates whose status is to-be-cleared. As a result, these to-be-cleared electronic certificates are ready to be processed by the clearing servers for interbank liquidation. The clearing server separately calls the first data corresponding to the to-be-cleared first electronic certificate within a first preset time period and the second data corresponding to the to-be-cleared second electronic certificate within the first preset time period, to summarize the first data and the second data respectively and process settlement netting. The clearing server generates the reconciliation document between the first and second bank servers according to the results of the settlement netting. [90]Adopt a clearing way of net rolling of electronic certificate. That is, in the settlement of electronic certificate, only the net amount of the accounts receivable and the accounts payable should be calculated after the clearing of each bank. In other words, each bank may have tens of Date Recue/Date Received 2021-06-07 thousands of electronic certificate transactions that it needs to pay and for which it should receive funds, but the bank does not need to be paid immediately with respect to each electronic certificate. It is only necessary to calculate the total difference between the cleared electronic certificate in the first preset period and the sum of the total balance of the payment by the difference bank. Inter-bank clearing between two banks can be realized through the net clearing between the first bank server and the second bank server, that is, bilateral net gap clearing. Inter-bank clearing between multiple banks can be achieved by clearing the net of the difference between multiple bank servers. By netting clearing, effectively reduce the transmission of data, improve the speed of interbank clearing.
[91] The clearing server delivers the reconciliation documents to the first bank server and the second bank server. The first bank server and the second bank server respectively confirm the reconciliation document, the first bank server returns the first confirmation information after passing the confirmation, and the second bank server returns the second confirmation information after passing the confirmation. Specifically, the first bank server compares the reconciliation document with the pre-stored second data of the second electronic certificate to be cleared within the first preset time and the first data of the first electronic certificate to be cleared, and determines whether the data are consistent. If they are consistent, the first bank server returns the first confirmation information to the clearing server. Otherwise, the first bank server delivers the first error information to the clearing server. The second bank server compares the reconciliation document with the pre-stored first data of the first electronic certificate to be cleared by the first bank server in the first preset time to determine whether the data of the two accounts match each other. If consistent, the second bank server returns the second confirmation information to the clearing server. Otherwise, the second bank server delivers the second error information to the clearing server.
[92] In one of the examples, after the step of determining whether the reconciliation document is consistent with both the pre-stored second data of the to-be-cleared second electronic certificate and the pre-stored first data of the to-be-cleared first electronic certificate within the first preset time, the method also includes: if not consistent, delivering the first error information to the clearing server, to enable the clearing server Date Recue/Date Received 2021-06-07 to make adjustments according to the first error information and generate an adjusted reconciliation document; executing the step of receiving the clearing message delivered by the clearing server again.
[93] After receiving the first error information and / or the second error information, the clearing server will retrieve the details corresponding to the first data and second data to figure out where the error is from and make adjustments by using a balancing method for the errors to ensure that the reconciliation data of the clearing server is consistent between the first bank server and the second bank server. The clearing server generates the adjusted reconciliation document to ensure that the data of interbank settlement is accurate.
[94] After receiving the first confirmation information and the second confirmation information, the clearing server generates clearing information by using the reconciliation document. After receiving the clearing information, the first bank server transfers the total settlement amount in the reconciliation document to the second bank server according to the clearing information. Therefore, the inter-bank liquidation in batches for electronic certificates can be completed.
[95] In this example, since the electronic certificate is to be cleared within the first preset time, the clearing server generates a reconciliation document using the first data of the first electronic certificate of the first bank server and the second data of the second electronic certificate of the second bank server, the reconciliation document includes the total clearing amount of the electronic certificate that the first bank server needs to transfer to the second bank server. After the first bank server and the second bank server respectively return confirmation information according to the reconciliation document, the clearing information is generated according to the reconciliation document, which enables the first bank server to pay the second bank server in accordance with the total amount of clearing in the reconciliation documents after receiving the clearing information. As a result, it is possible to carry out inter-bank clearing of batch electronic certificates in the first preset time, effectively saving the inter-bank payment fee, and overcoming the problem that a large number of single electronic certificates require a high commission in real-time interbank payment.
[96] In an example, the first bank server has preset the first service clearing account, and Date Recue/Date Received 2021-06-07 after the step of transferring the total amount of the clearing to the second bank server according to the clearing information, the method also includes: use the first business settlement account to transfer the amount of the second electronic certificate to the corresponding receiving account.
[97] In this example, the reconciliation document further includes the serial number of the electronic certificate to be cleared. Due to the adoption of a netting gap settlement method, the transfer between the first bank server and the second bank server is only the total amount of clearing. The first bank also needs to charge the received funds into the receiving account of the electronic certificate (i.e., the second electronic certificate) received by the bank according to the reconciliation documents. The first bank server pre-set the first business clearing accounts. Since the first bank pays the difference, the corresponding amount can be directly transferred to the corresponding receiving account according to the reconciliation document and the serial number of the second electronic certificate to be cleared from the first bank for special account settlement.
If there is no second data of the second electronic certificate in the first preset time, this step is unnecessary. After the first bank server transfers the total amount of the clearing to the second bank server according to the clearing information, the second bank server first transfers the received total amount of the clearing into the second bank for clearing services on the second bank server. According to the reconciliation document for clearing the first electronic certificate number, the amount corresponding to the first electronic certificate to be cleared is respectively transferred to the receiving account of each first electronic certificate. Since the first bank server and the second bank server implement the inter-bank clearance through the net rolling difference, the total amount of the clearing of the first bank server transferred to the second bank server is likely to be less than that of the second bank server. The total amount of the first electronic certificate of the second bank servers should be allocated the total amount.
The difference between the total clearing amount and the total amount to be allocated by the second bank server will be supplemented by the amount in the second business clearing account and then use the reconciliation document to assign the amount corresponding to each first electronic certificate to the corresponding receiving account. This further improves the accuracy of interbank settlement.

Date Recue/Date Received 2021-06-07 [98] In an example, as shown in Figure 3, an inter-bank settlement method is provided, which is applied to a second bank server as an example for description. The method specifically includes:
[99] Step 302: the clearing server delivers second data of a second electronic certificate in real time, so that after receiving first data of a first electronic certificate delivered by the first bank server, the clearing server determines, according to the first preset time a plurality of first data of first certificates to be cleared and second data of second electronic certificates to be cleared to generate a reconciliation document.
[100] Step 304: Receive the reconciliation document delivered by a clearing server, where the reconciliation document includes a total settlement amount.
[101] Step 306: Determine whether the reconciliation document is consistent with the pre-stored first data of the first electronic certificate to be cleared within a first preset time period and the second data of the second electronic certificate to be cleared;
if yes, enter step 308, otherwise, deliver second error information.
[102] Step 308: The confirmation information is returned to the clearing server so that the clearing server uses the reconciliation document to generate the clearing information after receiving the confirmation information.
[103] Step 310: Receive the clearing information delivered by the clearing server.
[104] Step 312: Receive the total settlement amount transferred by the first bank server according to the clearing information.
[105] Step 314: transfer the received total amount of liquidation to the second specific clearing account, and according to the reconciliation document, transfer amounts of funds of a plurality of first electronic certificates to the corresponding a plurality of receiving accounts respectively by using the second specific clearing account.
[106] In this example, the second bank server delivers the second data of the second electronic certificate to the clearing server in real time. The first bank server also delivers the first data of the first electronic certificate to the clearing server in real time.
The first data and the second data are both encrypted data. After receiving the first data and the second data, the clearing server decrypts the first data and the second data respectively.
Specifically, both the first data and the second data can be encrypted by using an RSA
algorithm. After receiving the first data and the second data, the clearing server uses the Date Recue/Date Received 2021-06-07 RSA algorithm to decrypt the data. The first data and the second data are thus parsed.
The parsed data includes the state of the electronic certificate, including to-be-received, to-be-fulfilled, to-be-applied-to-release, to-be-released, to-be-cleared and so on. The to-be-cleared is set as a keyword to sort all electronic certificates whose status is to-be-cleared. As a result, these to-be-cleared electronic certificates are ready to be processed by the clearing servers for interbank liquidation. The clearing server separately calls the first data corresponding to the to-be-cleared first electronic certificate within a first preset time period and the second data corresponding to the to-be-cleared second electronic certificate within the first preset time period, to summarize the first data and the second data respectively and process settlement netting. The clearing server generates the reconciliation document between the first and second bank servers according to the results of the settlement netting.
[107] Adopt a clearing way of net rolling of electronic certificate. That is, in the settlement of electronic certificate, only the net amount of the accounts receivable and the accounts payable should be calculated after the clearing of each bank. In other words, each bank may have tens of thousands of electronic certificate transactions that it needs to pay and from which it needs to receive funds and needs to be paid immediately with respect to each electronic certificate. It is only necessary to calculate the total difference between the cleared electronic certificate in the first preset period and the sum of the total balance of the payment by the difference bank. Inter-bank clearing between two banks can be realized through the net clearing between the first bank server and the second bank server, that is, bilateral net gap clearing. Inter-bank clearing between multiple banks can be achieved by clearing the net of the difference between multiple bank servers. By netting clearing, effectively reduce the transmission of data, improve the speed of interbank clearing.
[108] The clearing server delivers the reconciliation documents to the first bank server and the second bank server. The first bank server and the second bank service respectively confirm the reconciliation document, the first bank service returns the first confirmation information after passing the confirmation, and the second bank server returns the second confirmation information after passing the confirmation. The first bank server compares the reconciliation document with the pre-stored second data of the second Date Recue/Date Received 2021-06-07 electronic certificate to be cleared by the second bank server in the second preset time to determine whether the data of the two accounts match each other. If they are consistent, the first bank server returns the first confirmation information to the clearing server.
Otherwise, the first bank server delivers first error information to the clearing server.
The second bank server compares the reconciliation document with the pre-stored first data of the first electronic certificate to be cleared within the first preset time and the second data of the second electronic certificate to be cleared, and determines whether the data are consistent. If consistent, the second bank server returns the second confirmation information to the clearing server. Otherwise, the second bank server delivers second error information to the clearing server.
[109] In one of the examples, after the step of determining whether the reconciliation document is consistent with both the pre-stored second data of the to-be-cleared second electronic certificate and the pre-stored first data of the to-be-cleared first electronic certificate within the first preset time, the method also includes: if not consistent, delivering the second error information to the clearing server, to enable the clearing server to make adjustments according to the second error information and generate an adjusted reconciliation document; executing the step of receiving the clearing message delivered by the clearing server again.
[110] After receiving the first error information and / or the second error information, the clearing server will retrieve the service details for comparison and make adjustments by using the error flat accounting method to ensure that the clearing server, the first bank server, and the second bank server are consistent. After the reconciliation data between the bank servers are consistent, the clearing server generates the reconciliation document again to ensure that the data of interbank settlement is accurate.
[111] After receiving the first confirmation information and the second confirmation information, the clearing server generates a clearing information by using the reconciliation document. After receiving the clearing information, the first bank server transfers the total settlement amount in the reconciliation document to the second bank server according to the clearing information. Therefore, the inter-bank liquidation in batches for electronic certificates can be completed. The second bank server allocates the total settlement amount to the second specific clearing account on the second bank Date Recue/Date Received 2021-06-07 server. According to the reconciliation document, the second bank server transfers amounts of funds of a plurality of first electronic certificates to a corresponding plurality of receiving accounts respectively by using the second specific clearing account. Since the first bank server and the second bank server implement the inter-bank liquidation through the net rolling difference, the total amount of the liquidation transferred from the first bank server to the second bank server is likely to be less than the total amounts of funds of the plurality of first electronic certificates allocated by the second bank server. The differences between the total amount of the liquidation and the total amounts of funds of the plurality of first electronic certificates allocated by the second bank server is supplemented by the amount in the second specific clearing account.
According to the reconciliation document, the amount corresponding to each electronic certificate is transferred to the corresponding receiving account. This further improves the accuracy of interbank settlement. [112] In this example, since the electronic certificates are to be cleared within the first preset time, the clearing server generates a reconciliation document using the first data of the first electronic certificate of the first bank server and the second data of the second electronic certificate of the second bank server. The reconciliation document includes the total clearing amount of the electronic certificate that the first bank server needs to transfer to the second bank server. After the first bank server and the second bank server respectively return confirmation information according to the reconciliation document, the clearing information is generated according to the reconciliation document, which enables the first bank server to pay the second bank server in accordance with the total amount of clearing in the reconciliation documents after receiving the clearing information. As a result, it is possible to carry out inter-bank clearing of batch electronic certificates in the first preset time, effectively saving the inter-bank payment fee, and overcoming the problem that a large number of single electronic certificates require a high commission in real-time interbank payment.
[113] In one example, as shown in Figure 4, an inter-bank clearing system is provided, and the system includes a first bank server 402, a second bank server 404, and a clearing server 406, wherein:
[114]
The first bank server 402 is used to deliver first data of a first electronic certificate to the Date Recue/Date Received 2021-06-07 clearing server 406 in real time.
[115] The second bank server 404 is used to deliver second data of a second electronic certificate to the settlement server 406 in real time.
[116] The settlement server 406 is used to receive the first data and the second data, and according to a first preset time, the first data of multiple first electronic certificates and the second data of the second electronic certificate of clearing will generate the reconciliation document, and the reconciliation document includes the total settlement amount, and the settlement server 406 delivers the reconciliation document to the first bank server 402 and the second bank server 404 respectively.
[117] The first bank server 402 is also used to confirm the reconciliation document and return first confirmation information to the settlement server.
[118] The second bank server 404 is also used to confirm the reconciliation document and return second confirmation information to the settlement server.
[119] The clearing server 406 is also used to receive the first confirmation information and the second information and use the reconciliation document to generate clearing information, and the clearing information will be delivered to the first bank server 402 and the second bank server 404 respectively.
[120] The first bank server 402 is also used to transfer the total settlement amount to the second bank server 404 according to the clearing information.
[121] In this example, the first bank server 402 delivers the first data of the first electronic certificate to the clearing server 406 in real time. The second bank server 404 also delivers the second data of the second electronic certificate to the clearing server 406 in real time. The first data and the second data are both encrypted data. After receiving the first data and the second data, the clearing server 406 decrypts the first data and the second data respectively. Specifically, both the first data and the second data can be encrypted by using an RSA algorithm. After receiving the first data and the second data, the clearing server uses the RSA algorithm to decrypt the data. By analysing the first data and the second data for encryption and decryption, the security of interbank settlement is improved. The parsed data includes the state of the electronic certificate, including to-be-received, to-be-fulfilled, to-be-applied-to-release, to-be-released, to-be-cleared and so on. The to-be-cleared is set as a keyword to sort all electronic certificates Date Recue/Date Received 2021-06-07 whose status is to-be-cleared. As a result, these to-be-cleared electronic certificates are ready to be processed by the clearing servers for interbank liquidation. The clearing server separately calls the first data corresponding to the to-be-cleared first electronic certificate within a first preset time period and the second data corresponding to the to-be-cleared second electronic certificate within the first preset time period, to summarize the first data and the second data respectively and process settlement netting. The clearing server generates the reconciliation document between the first and second bank servers according to the results of the settlement netting. [122] Adopt a clearing way of net rolling of electronic certificate. That is, in the settlement of electronic certificate, only the net amount of the accounts receivable and the accounts payable should be calculated after the clearing of each bank. In other words, each bank may have tens of thousands of electronic certificate transactions it needs to pay and from which it needs to receive funds and needs to be paid immediately with respect to each electronic certificate. It is only necessary to calculate the total difference between the cleared electronic certificate in the first preset period and the sum of the total balance of the payment by the difference bank. Inter-bank clearing between two banks can be realized through the net clearing between the first bank server and the second bank server, that is, bilateral net gap clearing. Inter-bank clearing between multiple banks can be achieved by clearing the net of the difference between multiple bank servers.
By netting clearing, effectively reduce the transmission of data, improve the speed of interbank clearing.
[123] In one of the examples, the first bank server is also used to determine the second data of the second electronic certificate, which is to be cleared in the first preset time of the account and pre-storage. If, for the first electronic device to be cleared, the first data of the certificate is consistent, then the first confirmation information is returned to the clearing server. In one of the examples, the first bank server is also used to determine the second data of the second electronic certificate, which is to be cleared in the first preset time of the account and pre-storage. If, for the first electronic device to be cleared, the first data of the certificate is not consistent, then the first error information is generated and delivered to the clearing server.
[124] In one of the examples, the second bank server is also used to:
determine whether the Date Recue/Date Received 2021-06-07 reconciliation document is consistent with both the pre-stored first data of the to-be-cleared first electronic certificate and the pre-stored second data of the to-be-cleared second electronic certificate within the first preset time; if yes, then the second confirmation information is generated and delivered to the clearing server. In one of the examples, the second bank server is further also used to: determine whether the reconciliation document is consistent with both the pre-stored first data of the to-be-cleared first electronic certificate and the pre-stored second data of the to-be-cleared second electronic certificate within the first preset time; if not consistent, then the second error information is generated and delivered to the clearing server. In one of the examples, the clearing server is also used to generate the adjusted reconciliation document once the adjustments are made according to the first error information and/or second error information. After receiving the first error information and / or the second error information, the clearing server will retrieve the details corresponding to the first data and second data to figure out where the error is from and make adjustments by using a balancing method for the errors to ensure that the reconciliation data of the clearing server is consistent with the first bank server and the second bank server. The clearing server generates the adjusted reconciliation document to ensure that the data of interbank settlement is accurate.
[125] In this example, after the first bank server and the second bank server respectively return confirmation information according to the reconciliation document, the clearing information is generated according to the reconciliation document, which enables the first bank server to pay the second bank server in accordance with the total amount of clearing in the reconciliation documents after receiving the clearing information. As a result, it is possible to carry out inter-bank clearing of batch electronic certificates in the first preset time, effectively saving the inter-bank payment fee, and overcoming the problem that a large number of single electronic certificates require a high commission in real-time interbank payment.
[126] In an example, the first bank server is also used to transfer amounts of funds of a plurality of second electronic certificates to a corresponding plurality of receiving accounts respectively by using the first specific clearing account. The second bank server is configured to transfer the received total amount of liquidation to the second Date Recue/Date Received 2021-06-07 specific clearing account, and according to the reconciliation document, transfer amounts of funds of a plurality of first electronic certificates to a corresponding plurality of receiving accounts respectively by using the second specific clearing account.
[127] In this example, the first bank server transfers amounts of funds of a plurality of second electronic certificates to a corresponding plurality of receiving accounts respectively by using the first specific clearing account according to the reconciliation document and the serial number of the to-be-cleared second electronic certificates. After the first bank server transfers the total amount of the liquidation to the second bank according to the clearing information, the second bank server first transfers the received total amount of the liquidation into the second bank for clearing services on the second bank server.
According to the reconciliation document for clearing the first electronic certificate number, the amount corresponding to the first electronic certificate to be liquidated is respectively transferred to the receiving account of each first electronic certificate. Since the first bank server and the second bank server implement the inter-bank liquidation through the net rolling difference, the total amount of the liquidation of the first bank server transferred to the second bank server is likely to be less than that of the second bank server. The second bank server allocates the total settlement amount to the second specific clearing account on the second bank server. According to the reconciliation document and the serial number of the to-be-cleared first electronic certificate, the second bank server transfers amounts of funds of a plurality of first electronic certificates to a corresponding plurality of receiving accounts respectively by using the second specific clearing account. Since the first bank server and the second bank server implement the inter-bank liquidation through the net rolling difference, the total amount of the liquidation transferred from the first bank server to the second bank server is likely to be less than the total amounts of funds of the plurality of first electronic certificates allocated by the second bank server. The differences between the total amount of the liquidation and the total amounts of funds of the plurality of first electronic certificates allocated by the second bank server is supplemented by the amount in the second specific clearing account. According to the reconciliation document, the amount corresponding to each electronic certificate is transferred to the corresponding receiving account. This further improves the accuracy of interbank Date Recue/Date Received 2021-06-07 settlement.
[128] In an example, the first bank server is also used to deliver a notification of the total amount of the transfer and settlement to the settlement server after the total amount of the settlement is transferred to the second bank server.
[129] In this example, after the first bank server transfers a total settlement amount of clearing to the second bank according to the clearing information, the first bank server delivers the notification to the clearing server to complete the transfer of the total amount of clearing. After receiving the notification, the clearing server records the notification. If the clearing server does not receive the notification within a second preset time period, deliver the reminder of the total amount of transfer and settlement to the first bank server to ensure the clearing of electronic certificate on the first bank server and the second bank server, and complete interbank clearing in a timely manner.
[130] In one example, an inter-bank clearing server is provided. The server includes a processor and a non-volatile storage medium. When instructions are executed by the processor, the non-volatile storage medium may store the processor, which performs the below steps.
[131] Acquiring data of multiple clearing electronic certificate in the first preset time, the data including first data and second data, the first data corresponding to a first bank server, and the second data corresponding to a second bank server.
[132] Using the first data and the second data to generate a reconciliation document, the reconciliation document including the total amount of settlement.
[133] The reconciliation document is delivered to the first bank server and the second bank server, so that the first bank server and the second bank server respectively confirm the reconciliation document and return confirmation information.
[134] After receiving the confirmation information, generating clearing information by using the reconciliation document.
[135] The clearing information is delivered to the first bank server, so that the first bank server transfers the total settlement amount to the second bank server according to the settlement message.
[136] In this example, a schematic structural diagram of an inter-bank clearing server is shown in Figure 5, and the server includes a processor, a non-volatile storage medium, a Date Recue/Date Received 2021-06-07 memory, and a network interface which are connected through a system bus.
Wherein, the sever includes a non-volatile storage medium with an operating system, a database, and an inter-bank settlement processing component for implementing an inter-bank settlement method. The processor of the server is used to provide calculation and control capabilities to support the operation of the entire server. The server's memory provides an environment for the operation of an inter-bank clearing information processor in a non-volatile storage medium. The network interface of the server is used to communicate with an external terminal according to a network connection, for example, receive first data of a first electronic certificate delivered by a first bank server, and so on. The server can be implemented by a separate server or multiple servers;
for example, the server can include an inter-bank settlement processing server and a storage server.
[137] In addition, a non-transitory computer storage medium is also provided.
[138] The non-transitory computer-implemented storage medium contains computer-executable instructions for performing an inter-bank settlement method, the method including the below steps.
[139] Acquiring data of multiple clearing electronic certificates in the first preset time, the data including first data and second data, the first data corresponding to a first bank server, and the second data corresponding to a second bank server.
[140] Using the first data and the second data to generate a reconciliation document, the reconciliation document including a total amount of settlement.
[141] The reconciliation document is delivered to the first bank server and the second bank server, so that the first bank server and the second bank server respectively confirm the reconciliation document and return confirmation information.
[142] After receiving the confirmation information, generating clearing information by using the reconciliation document.
[143] The clearing information is delivered to the first bank server, so that the first bank server transfers the total settlement amount to the second bank server according to the settlement message.
[144] A person of skill in the art considers the problems disclosed herein and sought to be solved by the present disclosure to be exclusively computer problems and contemplates Date Recue/Date Received 2021-06-07 only solutions to those problems that include essential computer elements.
Abstract ideas, mere schemes, plans, rules, or mental processes that do not include computer elements are expressly excluded from this application.
[145] The technical features of the examples described above can be arbitrarily combined. In order to simplify the description, all the possible combinations of the various technical features in the above examples are not described; however, any combination of these technical features wherein there does not exist a contradiction should be considered to be within the scope of the present disclosure.
[146] The above-described examples show only a few methods of execution of the present invention, and its descriptions are comparatively specific and detailed;
however, these cannot to be construed as limitations on the scope of the present disclosure.
It should be noted that various modifications and improvements can be made by those skilled in the field without departing from the inventive concept, which belong to the protected scope of the present invention. Accordingly, the protected scope of the present invention should be measured by the appended claims.

Date Recue/Date Received 2021-06-07

Claims

Claims:

1. A computer system for inter-bank clearing in an electronic transaction, the system comprising:
a first bank server configured to:
deliver first data of first electronic certificates to a clearing server in real time;
confirm a reconciliation document to return confirmation information for the reconciliation document; and transfer a total clearing amount to a second bank server according to the reconciliation document.
the second bank server configured to:
deliver second data of second electronic certificates to a clearing server in real time;
confirm the reconciliation document to return confimiation information for the reconciliation document; and receive the total clearing amount from the first bank server according to the reconciliation document;
the clearing server configured to:
acquire data for multiple to-be-cleared electronic certificates within a first pre-set time, wherein the data including the first data corresponding to the first bank server and the second data corresponding to the second bank server;

Date Recue/Date Received 2021-06-10 generate the reconciliation document by using the first data and the second data, wherein the reconciliation document includes the total clearing amount;
deliver the reconciliation document to the first bank server and the second bank server respectively;
generate a clearing message by using the reconciliation document after receiving the confirmation information; and deliver the clearing message to the first bank server, to enable the first bank server transfer the total clearing amount to the second bank server according to the clearing message.

2. The system of claim 1, wherein the first bank server is further configured to transfer a plurality of amounts of funds corresponding to a plurality of second electronic certificates to the corresponding payment collection accounts respectively by using a first service clearing account.

3. The system of any one of claims 1 to 2, wherein the second bank server is further configured to transfer a plurality of amounts of funds corresponding to a plurality of first electronic certificates to the corresponding payment collection accounts respectively according to the received clearing amount by using a second service clearing account.

4. The system of claim 1, wherein the first bank server is further configured to determine whether the first data for multiple to-be-cleared first electronic certificates pre-stored within a first pre-set time and the second data for multiple to-be-cleared second electronic certificates pre-stored in within a first pre-set time is consistent with data in the reconciliation document.
Date Recue/Date Received 2021-06-10

5. The system of claim 4, wherein the first bank server is further configured to, where if the first data and the second data is consistent with the data in the reconciliation document, return confirmation information for the reconciliation document to the clearing server.

6. The system of claim 4, wherein the first bank server is further configured to, where if the first data and the second data is inconsistent with the data in the reconciliation document, deliver a first error message to the clearing server.

7. The system of claim 1, wherein the second bank server is further configured to determine whether the first data for multiple to-be-cleared first electronic certificates pre-stored within the first pre-set time and the second data for multiple to-be-cleared second electronic certificates pre-stored in within the first pre-set time is consistent with data in the reconciliation document.

8. The system of claim 7, wherein the second bank server is further configured to, where if the first data and the second data is consistent with the data in the reconciliation document, return confirmation information for the reconciliation document to the clearing server.

9. The system of claim 7, wherein the second bank server is further configured to, where if the first data and the second data is inconsistent with the data in the reconciliation document, deliver a second error message to the clearing server.

10. The system of any one of claims 4 to 9, wherein the clearing server is further configured to adjust the first error message and / or the second error message to generate an updated reconciliation document.

11. The system of claim 10, wherein the first bank server is further configured to deliver a notification that the total clearing amount has been transferred to the clearing server after transferring the total clearing amount to the second bank server according to the reconciliation document.

Date Recue/Date Received 2021-06-10

12. The system of any one of claims 1 to 11, wherein the first data includes the status of the electronic certificate.

13. The system of any one of claims 1 to 12, wherein the first data includes an issuing amount of funds.

14. The system of any one of claims 1 to 13, wherein the first data includes a transaction number.

15. The system of any one of claims 1 to 14, wherein the second data includes the status of the electronic certificate.

16. The system of any one of claims 1 to 15, wherein the second data includes an issuing amount of funds.

17. The system of any one of claims 1 to 16, wherein the second data includes a transaction number.

18. The system of any one of claims 1 to 17, wherein the status of the electronic certificate includes to-be-cleared.

19. The system of any one of claims 1 to 18, wherein the first data is encrypted by an encryption algorithm.

20. The system of any one of claims 1 to 19, wherein the second data is encrypted by the encryption algorithm.

21. A computer implemented method for inter-bank clearing in an electronic transaction, applied in a clearing server, the method comprising:

Date Recue/Date Received 2021-06-10 acquiring data for multiple to-be-cleared electronic certificates within a first pre-set time, wherein the data including first data corresponding to a first bank server and second data corresponding to a second bank server;
generating a reconciliation document by using the first data and the second data, wherein the reconciliation document includes a total clearing amount;
delivering the reconciliation document to the first bank server and the second bank server respectively, to enable the first bank server and the second bank server respectively to confimi the reconciliation document and return confirmation infonnation for the reconciliation document;
generating a clearing message by using the reconciliation document after receiving the confinnation information; and delivering the clearing message to the first bank server, to enable the first bank server transfer the total clearing amount to the second bank server according to the clearing message.

22. The method of claim 21, further includes receiving data for multiple electronic certificates issued by the first bank server and the second bank server in real time to parse the data for multiple electronic certificates; and filtering out a plurality of to-be-cleared electronic certificates from parsed data according to status of the electronic certificate.

23. The method of claim 22, wherein the parsed data includes the status of the electronic certificate.

Date Recue/Date Received 2021-06-10

24. The method of claim 23, wherein the status of the electronic certificate includes to-be-cleared.

25. The method of claim 21 further includes where if the data for multiple to-be-cleared electronic certificates pre-stored in the first bank server within a first pre-set time is inconsistent with data in the reconciliation document, receiving a first error message delivered by the first bank server.

26. The method of claim 21 further includes where if the data for multiple to-be-cleared electronic certificates pre-stored in the second bank server within a first pre-set time is inconsistent with the data in the reconciliation document, receiving a second error message delivered by the second bank server.

27. The method of any one of claims 25 to 26 further includes adjusting the first error message and / or the second error message to re-deliver an updated reconciliation document to the first bank server and the second bank server respectively, to enable the first bank server and the second bank server to confirm and return the confirmation information for the reconciliation document.

28. The method of claim 21 further includes determining whether receiving a notification that the total clearing amount has been transferred by the first bank server within a second pre-set time period.

29. The method of claim 28 further includes, where if failing to receive the notification within the second pre-set period, delivering a reminder for transferring the total clearing amount to the first bank server.

30. The method of any one of claims 21 to 29, wherein the first data includes the status of the electronic certificate.

Date Recue/Date Received 2021-06-10

31. The method of any one of claims 21 to 30, wherein the first data includes an issuing amount of funds.

32. The method of any one of claims 21 to 31, wherein the first data includes a transaction number.

33. The method of any one of claims 21 to 32, wherein the second data includes the status of the electronic certificate.

34. The method of any one of claims 21 to 33, wherein the second data includes an issuing amount of funds.

35. The method of any one of claims 21 to 34, wherein the second data includes a transaction number.

36. The method of any one of claims 21 to 35, wherein the first data is encrypted by an encryption algorithm.

37. The method of any one of claims 21 to 36, wherein the second data is encrypted by the encryption algorithm.

38. A computer implemented method for inter-bank clearing in an electronic transaction, applied in a first bank server, the method comprising:
delivering first data of first electronic certificates to a clearing server in real time, to enable the clearing server to generate a reconciliation document according to a plurality of the first data of the first electronic certificates and second data of second electronic certificates within a first preset time after receiving the second data of the second electronic certificates delivered by a second bank server;
Date Recue/Date Received 2021-06-10 receiving the reconciliation document delivered by the clearing server, wherein the reconciliation document includes a total clearing amount;
determining whether the first data for the first electronic certificates pre-stored within the first pre-set time and the second data for the second electronic certificates pre-stored within the first pre-set time is consistent with data in the reconciliation document;
wherein if the first data and the second data are consistent with data in the reconciliation document, returning confirmation information for the reconciliation document to the clearing server, to enable the clearing server to generate a clearing message according to the reconciliation document; and receiving the clearing message delivered by the clearing server and transferring the total clearing amount to the second bank server according to the reconciliation document.

39. The method of claim 38 further includes, where if the first data and the second data are inconsistent with the data in the reconciliation document, delivering a first error message to the clearing server, to enable the clearing server to generate an updated reconciliation document after adjusting the first error message and delivering the updated reconciliation document to the first bank server.

40. The method of claim 38, further includes transferring a plurality of amounts of funds corresponding to the second electronic certificates to corresponding payment collection accounts by using a first service clearing account.

41. The method of claim 40, further includes delivering a notification that the total clearing amount has been transferred to the clearing server.

42. The method of any one of claims 38 to 41, wherein the first data includes a status of the first electronic certificates.

Date Recue/Date Received 2021-06-10

43. The method of any one of claims 38 to 42 ,wherein the first data includes an issuing amount of funds.

44. The method of any one of claims 38 to 43, wherein the first data includes a transaction number.

45. The method of any one of claims 38 to 44, wherein the second data includes a status of the second electronic certificates.

46. The method of any one of claims 38 to 45, wherein the second data includes an issuing amount of funds.

47. The method of any one of claims 38 to 46, wherein the second data includes a transaction number.

48. The method of any one of claims 38 to 47, wherein the first data is encrypted by an encryption algorithm.

49. The method of any one of claims 38 to 47, wherein the second data is encrypted by an encryption algorithm.

50. The method of any one of claims 38 to 49, wherein the status of the electronic certificate includes to-be-cleared.

51. A computer implemented method for inter-bank clearing in an electronic transaction, applied in a second bank server, the method comprising:

Date Recue/Date Received 2021-06-10 delivering second data of second electronic certificates to a clearing server in real time, to enable the clearing server to generate reconciliation documents according to first data of first electronic certificates and the second data of the second electronic certificates within a first preset time after receiving the first data of the first electronic certificates delivered by a first bank server;
receiving the reconciliation document delivered by the clearing server, wherein the reconciliation document includes a total clearing amount;
determining whether the first data for the first electronic certificates pre-stored within the first pre-set time and the second data for the second electronic certificates pre-stored within the first pre-set time is consistent with data in the reconciliation document;
where if the first data and the second data are consistent with data in the reconciliation document, returning confirmation information for the reconciliation document to the clearing server, to enable the clearing server to generate a clearing message according to the reconciliation document;
receiving the clearing message delivered by the clearing server and the total clearing amount transferred from the first bank server according to the reconciliation document;
and transferring a plurality of amounts of funds corresponding to the first electronic certificates to corresponding payment collection accounts according to the received clearing amount by using a second service clearing account.

52. The method of claim 51 further includes, where if the first data and the second data are inconsistent with the data in the reconciliation document, delivering a second error message to the clearing server, to enable the clearing server to generate an updated reconciliation document after adjusting the second error message and deliver the updated reconciliation document to the second bank server.

Date Recue/Date Received 2021-06-10

53. The method of any one of claims 51 to 52, wherein the first data includes a status of the electronic certificate.

54. The method of any one of claims 51 to 53, wherein the first data includes an issuing amount of funds.

55. The method of any one of claims 51 to 54, wherein the first data includes a transaction number.

56. The method of any one of claims 51 to 55, wherein the second data includes a status of the electronic certificate.

57. The method of any one of claims 51 to 56, wherein the second data includes an issuing amount of funds.

58. The method of any one of claims 51 to 57, wherein the second data includes a transaction number.

59. The method of any one of claims 51 to 58, wherein the first data is encrypted by an encryption algorithm.

60. The method of any one of claims 51 to 58, wherein the second data is encrypted by an encryption algorithm.

61. The method of any one of claims 51 to 60, wherein the status of the electronic certificate includes to-be-cleared.

62. A computer implemented server for inter-bank clearing in an electronic transaction, the server comprising:

Date Recue/Date Received 2021-06-10 a non-volatile storage medium for storing computer executable instructions;
a processor configured to execute the computer executable instructions, wherein the computer executable instructions include:
acquiring data for multiple to-be-cleared electronic certificates within a first pre-set time, wherein the data including first data corresponding to a first bank server and second data corresponding to a second bank server;
generating a reconciliation document by using the first data and the second data, wherein the reconciliation document includes a total clearing amount;
delivering the reconciliation document to the first bank server and the second bank server respectively, to enable the first bank server and the second bank server respectively to confirm the reconciliation document and return confirmation information for the reconciliation document;
generating a clearing message by using the reconciliation document after receiving the confirmation information; and delivering the clearing message to the first bank server, to enable the first bank server transfer the total clearing amount to the second bank server according to the clearing message.

63. The server of claim 62, wherein the computer executable instructions further includes:
receiving data for multiple electronic certificates issued by the first bank server and the second bank server in real time to parse the data for multiple electronic certificates; and filtering out a plurality of to-be-cleared electronic certificates from parsed data according to status of the electronic certificate.
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64. The server of claim 63, wherein the parsed data includes the status of the electronic certificate.

65. The server of claim 64, wherein the status of the electronic certificate includes to-be-cleared.

66. The server of claim 62, wherein the computer executable instructions further include where if the data for multiple to-be-cleared electronic certificates pre-stored in the first bank server within a first pre-set time is inconsistent with data in the reconciliation document, receiving a first error message delivered by the first bank server.

67. The server of claim 62, wherein the computer executable instructions further include where if the data for multiple to-be-cleared electronic certificates pre-stored in the second bank server within a first pre-set time is inconsistent with the data in the reconciliation document, receiving a second error message delivered by the second bank server.

68. The server of any one of claims 66 to 67, wherein the computer executable instructions further include adjusting the first error message and / or the second error message to re-deliver an updated reconciliation document to the first bank server and the second bank server respectively, to enable the first bank server and the second bank server to confirm and return the confirmation information for the reconciliation document.

69. The server of claim 62, wherein the computer executable instructions further include determining whether receiving a notification that the total clearing amount has been transferred by the first bank server within a second pre-set time period.

70. The server of claim 69, wherein the computer executable instructions further include, where if failing to receive the notification within the second pre-set period, delivering a reminder for transferring the total clearing amount to the first bank server.

Date Recue/Date Received 2021-06-10

71. The server of any one of claims 62 to 70, wherein the first data includes the status of the electronic certificate.

72. The server of any one of claims 62 to 71, wherein the first data includes an issuing amount of funds.

73. The server of any one of claims 62 to 72, wherein the first data includes a transaction number.

74. The server of any one of claims 62 to 73, wherein the second data includes the status of the electronic certificate.

75. The server of any one of claims 62 to 74, wherein the second data includes an issuing amount of funds.

76. The server of any one of claims 62 to 75, wherein the second data includes a transaction number.

77. The server of any one of claims 62 to 76, wherein the first data is encrypted by an encryption algorithm.

78. The server of any one of claims 62 to 77, wherein the second data is encrypted by the encryption algorithm.

79. The server of any one of claims 62 to 78, wherein the status of the electronic certificate includes to-be-cleared.

80. A computer-readable memory having recorded thereon statements and instructions for execution by a computer for inter-bank clearing in an electronic transaction, the medium comprising:

Date Recue/Date Received 2021-06-10 a plurality of executable computer instructions configured to:
acquire data for multiple to-be-cleared electronic certificates within a first pre-set time, wherein the data including first data corresponding to a first bank server and second data corresponding to a second bank server;
generate a reconciliation document by using the first data and the second data, wherein the reconciliation document includes a total clearing amount;
deliver the reconciliation document to the first bank server and the second bank server respectively, to enable the first bank server and the second bank server respectively to confirm the reconciliation document and return confirmation information for the reconciliation document;
generate a clearing message by using the reconciliation document after receiving the confirmation information; and deliver the clearing message to the first bank server, to enable the first bank server transfer the total clearing amount to the second bank server according to the clearing message.

81. The memory of claim 80, wherein the computer executable instructions are configured to:
receive data for multiple electronic certificates issued by the first bank server and the second bank server in real time to parse the data for multiple electronic certificates; and filter out a plurality of to-be-cleared electronic certificates from parsed data according to status of the electronic certificate.

82. The memory of claim 81, wherein the parsed data includes the status of the electronic certificate.

Date Recue/Date Received 2021-06-10

83. The memory of claim 82, wherein the status of the electronic certificate includes to-be-cleared.

84. The memory of claim 80, wherein the computer executable instructions are configured to, where if the data for multiple to-be-cleared electronic certificates pre-stored in the first bank server within a first pre-set time is inconsistent with data in the reconciliation document, receive a first error message delivered by the first bank server.

85. The memory of claim 80, wherein the computer executable instructions are configured to, where if the data for multiple to-be-cleared electronic certificates pre-stored in the second bank server within a first pre-set time is inconsistent with the data in the reconciliation document, receive a second error message delivered by the second bank server.

86. The memory of any one of claims 84 to 85, wherein the computer executable instructions are further configured to adjust the first en-or message and / or the second error message to re-deliver an updated reconciliation document to the first bank server and the second bank server respectively, to enable the first bank server and the second bank server to confirm and return the confirmation information for the reconciliation document.

87. The memory of claim 80, wherein the computer executable instructions are further configured to determine whether receiving a notification that the total clearing amount has been transferred by the first bank server within a second pre-set time period.

88. The memory of claim 87, wherein the computer executable instructions are further configured to, where if failing to receive the notification within the second pre-set period, deliver a reminder for transferring the total clearing amount to the first bank server.

89. The memory of any one of claims 80 to 88, wherein the first data includes the status of the electronic certificate.

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90. The memory of any one of claims 80 to 89, wherein the first data includes an issuing amount of funds.

91. The memory of any one of claims 80 to 90, wherein the first data includes a transaction number.

92. The memory of any one of claims 80 to 91, wherein the second data includes the status of the electronic certificate.

93. The memory of any one of claims 80 to 92, wherein the second data includes an issuing amount of funds.

94. The memory of any one of claims 80 to 93, wherein the second data includes a transaction number.

95. The memory of any one of claims 80 to 94, wherein the first data is encrypted by an encryption algorithm.

96. The memory of any one of claims 80 to 95, wherein the second data is encrypted by the encryption algorithm.

97. The memory of any one of claims 80 to 95, wherein the status of the electronic certificate includes to-be-cleared.
Date Recue/Date Received 2021-06-10